Many Sahara investors are now eligible to receive their money back through the official CRCS–Sahara Refund Portal launched by the Government of India. The entire process is online, free, and done directly by the Central Registrar of Cooperative Societies (CRCS), without any agent.
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Who Can Apply for the Sahara Refund?
The refund scheme currently covers genuine depositors of four specific Sahara cooperative societies:
Sahara Credit Cooperative Society Ltd.
Saharayan Universal Multipurpose Society Ltd.
Humara India Credit Cooperative Society Ltd.
Stars Multipurpose Cooperative Society Ltd.
You must have unpaid deposits in any of these societies as per the cut‑off dates notified by the Ministry of Cooperation and CRCS. Other Sahara investments (like some housing/finance companies) are handled separately and are not part of this portal.
Documents Required
Keep clear photos or scans of these before you start:
Membership number and deposit account details for the Sahara cooperative scheme.
Deposit receipts/passbook or certificate showing your name, membership ID, and amount.
Aadhaar card and Aadhaar‑linked mobile number for OTP verification.
PAN card if your total claim is ₹50,000 or more.
Bank account details of your Aadhaar‑linked account (account number, IFSC, cancelled cheque/passbook).
Recent passport photo and signature (for the claim form upload).
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Online Application Process (CRCS–Sahara Refund Portal)
Open the official portal
Visit the CRCS–Sahara Refund section through official government links (india.gov.in or the CRCS/Ministry of Cooperation website) and follow the “CRCS–Sahara Refund Portal” link.
Depositor Registration
Click “Depositor Registration”.
Enter the last 4 digits of Aadhaar, Aadhaar‑linked mobile number, and CAPTCHA, then request and verify OTP.
Depositor Login
Click “Depositor Login” on the homepage.
Again, enter the Aadhaar last 4 digits, the Aadhaar‑linked mobile number, the CAPTCHA, and the OTP to log in.
Fill Refund Claim Details
Enter society name, membership number, deposit account numbers, and amounts exactly as per your receipts or passbook.
Provide your Aadhaar‑linked bank account details where the refund should be credited.
Download and Sign the Claim Form
After submitting details, download the generated claim form PDF.
Print it, paste your recent photograph, and sign in the required boxes.
Upload Form and Documents
Log in again to the portal and open the upload section.
Upload the signed claim form, deposit proofs, Aadhaar (and PAN if needed), and bank proof as instructed.
Submit the claim; you will receive an acknowledgement/Claim Request Number (CRN) and usually an SMS confirmation.
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Refund Timeline and Payment
CRCS and designated authorities verify submitted claims to confirm genuineness and avoid duplicate payments. Public FAQs and advisories note that verified refunds are generally processed within approximately 45 days, although the actual timeframe may vary due to verification and fund availability. Once approved, the refund amount is transferred directly to your Aadhaar‑linked bank account; no cash or offline payment is used.
How to Check Status or Resubmit
Check status: Log in to the CRCS–Sahara Refund Portal with your Aadhaar last 4 digits and OTP; your dashboard shows current claim status and details.
Resubmission: If status shows “resubmission required”, open the resubmission link, enter your Claim Request Number (CRN), verify via OTP, and upload corrected documents or information as guided.
Safety Tips for Investors
Official advisories repeatedly warn investors not to share OTPs, Aadhaar details, or bank information with agents or third parties claiming to “get your Sahara refund faster”. Always use only the official CRCS–Sahara portal and contact numbers listed on government websites for help or clarification
